ICICI Bank Q4 Results: Net Profit Surges 18% to Rs 12,630 Crore, Declares Rs 11 Dividend

ICICI Bank Q4 Results: Net Profit Surges 18% YoY to Rs 12,630 Crore, Declares Rs 11 Dividend

ICICI Bank, India's second-largest private sector lender, has reported strong financial performance for the fourth quarter ending March 31, 2025, with significant growth in profitability and improved asset quality metrics. The bank has also announced a dividend payout, reflecting its robust financial health.

Q4 Financial Performance Highlights

The bank's financial results for Q4FY25 showcase substantial growth across key parameters:

• Net Profit: Surged by 18% year-on-year to Rs 12,630 crore
• Net Interest Income (NII): Increased by 11% year-on-year to Rs 21,193 crore
• Net Interest Margin (NIM): Improved to 4.41%, up from 4.25% in Q3FY25 and slightly higher than 4.40% in Q4FY24
• Dividend: Declared Rs 11 per share for shareholders

Full-Year FY25 Performance

For the complete financial year 2024-25, ICICI Bank reported:

• Annual Profit After Tax: Rs 47,227 crore, representing a 15.5% year-on-year growth
• Net Interest Margin: 4.32% for the full year

Deposit and Loan Growth

The bank has maintained strong momentum in both its deposit and lending operations:

Deposit Performance

• Total Period-End Deposits: Grew 14% year-on-year to Rs 16.10 lakh crore as of March 31, 2025
• Average Deposits: Increased by 11.4% to Rs 14.86 lakh crore in Q4FY25
• CASA Ratio: Average current and savings account ratio stood at 38.4% during the quarter

Loan Portfolio

• Domestic Loan Portfolio: Expanded by 13.9% year-on-year to Rs 13.11 lakh crore
• Retail Loans: Grew by 8.9% year-on-year and 2% sequentially
• Retail Segment Contribution: Comprised 52.4% of the total loan portfolio as of March 31, 2025

Improving Asset Quality

The bank's prudent risk management approach has resulted in enhanced asset quality metrics:

• Net NPA Ratio: Improved to 0.39% as of March 31, 2025, down from 0.42% at the end of the previous quarter
• Gross NPA Ratio: Decreased to 1.67% at March 31, 2025, compared to 1.96% at December 31, 2024
• Provisions: Stood at Rs 891 crore in Q4FY25, compared to Rs 718 crore in Q4FY24 and Rs 1,227 crore in Q3FY25
• Provisioning Coverage Ratio: Healthy 76.2% on non-performing loans

Capital Adequacy

ICICI Bank continues to maintain a strong capital position with a total capital adequacy ratio of 16.55%, well above regulatory requirements, providing ample headroom for future growth opportunities.

Market Outlook

The significant improvement in ICICI Bank's financial metrics, particularly the growth in profitability and deposit base, along with enhanced asset quality, positions the bank favorably in the competitive banking landscape. The dividend declaration of Rs 11 per share further underscores management's confidence in the bank's financial stability and future prospects.

With its well-diversified loan portfolio, strong deposit franchise, and improved operational efficiency, ICICI Bank appears well-positioned to capitalize on the ongoing economic recovery and expansion opportunities in India's financial services sector.

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Categories: banking sector performance, financial results, ICICI Bank Q4 results